27 Comments

  1. I love goal posts! And not just in football! 🙂 Seriously, congratulations on hitting so many of your goals with a newborn in the house! That’s majorly impressive. And enjoy the movies. I just took my kids after a year (or two?) and it’s so much fun. We live in the boonies, so I have to wait until we’re in civilization to go to the movies. It’s always so much fun! I recommend Spiderman! 🙂

  2. Smart idea to put $1 on every card. We’ve paid off a lot of cards over the past couple of years, so it might be a good idea for us to do that too.

    July really went by in a blur for me – plenty of goals and good ambitions, but too much going on (Goofball’s baseball games, planning the birthday party, and watching 5 kids while Mr. Smith works on the bus). Now I’m torn between enjoying the last week of maternity leave and trying to check a bunch of things off my to do list.

    • Oh, Harmony. I know just a teeny bit of that struggle. There are so many things I want to do and need to do, but do I really need to do any of them more than snuggle with HP? I think not. Enjoy your last week!

  3. Lizzy

    My oldest credit card is a Neiman Marcus one. I don’t shop there, but I keep the account open to help the age of accounts part of my credit score. A couple of years ago, the creditor told me they were going to close the account for inactivity. I went to Neiman Marcus to buy something, but is was sooooo expensive! I wound up buying a chocolate bar.

  4. I just got the dreaded letter that my oldest credit card is being shut down for lack of use! And it said – even if you use it now, we will not reconsider. YIKES – OK, I get it! It didn’t have a big credit limit but the age of the account matters. I guess. My credit score really shouldn’t matter much anymore – but it still bugs me… Good work on your goals. Glad to hear you won’t be thinking about money as much 😉

    • I don’t even know why I care about my credit score at this point. Who am I kidding? It’s mostly to compete with Mr. P. That’s so surprising to me that they were so insistent that there wasn’t anything you could do to save the account. Grrr.

  5. Great job hitting those goals! You’re on fi-yah. 🙂 And congrats on getting paid for that ghostwriting gig. I finally landed a gig that pays $50/article for freelancing and I’m thrilled. I’m not gonna complain about an extra $150/mo. 🙂

  6. Great progress!

    I used to enter and win a bunch of giveaways. I had tons of credits and unfortunately, they started to expire. Now, I’m double checking (when I win them) if they do and if so, I’m buying gifts for people right away.

    Does having your husband as a supplementary card holder really improve HIS credit? I’m in Canada but I didn’t think that was the case regardless. Doesn’t he need to be the cardholder? I’ll have to look into this further as I’m the one with all the credit and I worry that if I were to die tomorrow, my husband wouldn’t have much ($500).

    • It does in the States! I don’t think it is the biggest reason that his credit score has gone up by any stretch, but I do think it is what the initial boost came from. It was low, low, low when we first got married (and I started meddling in his money life!). 🙂

  7. I got one of those “Use it or lose it” notes in May. I ended up buying a tank of gas on it and probably will keep using it once a month for similar purchases. Weird that several of us are getting hit at the same time.

  8. Congrats on hitting most of your goals, Penny. It is funny how the number of credit accounts can creep up without notice. I checked my credit report a while back and was shocked at the number of “open” accounts. We use 2 or 3 cards max, not the 20+ I have open. Gonna have to work on that.

  9. It feels like I should be appalled that I’ve let a few cards go in the past few years but the impact on my credit score hasn’t been worth taking the time to keep them on the record. With any luck, that’ll continue to be true 🙂

    Out of curiosity I checked my last credit report and the oldest credit cards that I have are about 14 years old, and I use one of them regularly, so they’re not in any danger. That’s good to know!

    August is really buckle down to work time: both for the day job and the home renos. Wish us luck?

  10. These are awesome goals, well done! We did a card-opening blitz last year in anticipation of moving, buying and fixing up our house, and trying to earn a free flight to Europe. I despise checking financial accounts (I know, a bad trait for a FIRE obsessor!) but hubby is into it. Sadly we used the points for more practical purposes like a family wedding and holiday travel but it still saved us a ton of money! Now we just need to remember to keep using them… Congrats on getting your bladder back and more family time soon!

  11. I’m definitely worried that one of my big credit lines will go away if I am not careful about using it. I feel you on that. And I keep the oldest card open for longevity, too. It’s a funny game we play, but money and the systems they’ve created around them make us funny people.

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